MyChurch uses USSD.
ChurchFlow uses M-Pesa.
Both systems are built in Kenya. But MyChurch collects member payments via USSD — a separate shortcode your church must set up independently. ChurchFlow integrates directly with M-Pesa Daraja: STK push giving, Paybill auto-reconciliation, and SMS receipts built in from day one.
MyChurch is a Kenya-based church management system that uses USSD for member giving and splits their pricing into four separate cost categories — Core System, Member Apps, SMS Costs, and Other Costs — with no amounts shown on their website. Annual maintenance fees are added on top based on member count. There are no denomination-specific features for PCEA, AIC, or ACK, and no published case studies. ChurchFlow is M-Pesa native: STK push giving, auto-reconciliation, and Paybill built in. Pricing is all-inclusive in KES from KES 8,000/month — no hidden buckets. Denomination depth for PCEA, AIC, ACK, and Full Gospel. Choose MyChurch if you specifically need a USSD-based giving flow. Choose ChurchFlow if you want M-Pesa, transparent pricing, denomination features, and a guided setup — all in one platform.
USSD-based giving (e.g., *123#) requires your church to independently register and maintain a USSD shortcode — a process that typically involves working with a telco or aggregator, monthly shortcode fees, and technical integration. M-Pesa Paybill is something your members already use every day: they send to your Paybill number from their M-Pesa menu and get an SMS receipt instantly. ChurchFlow integrates directly with M-Pesa Daraja — when a member pays, it hits your church account and auto-reconciles against their giving record with no manual effort.
How MyChurch and ChurchFlow compare for Kenyan churches
Same country, different approach. Here's what matters when choosing between them.
What to know about MyChurch
USSD giving, not M-Pesa STK push. MyChurch references "USSD of your choice" for member payments — a separate shortcode setup that requires independent telco registration. Your members are already using M-Pesa every day; ChurchFlow meets them there.
Pricing split into four opaque cost buckets. MyChurch lists Core System, Member Apps, SMS Costs, and Other Optional Costs as separate line items — with no amounts published for any of them. Annual maintenance fees are also billed separately based on member count.
No denomination-specific features. No PCEA cess, no AIC field/district hierarchy, no ACK diocesan levy or synod scheduling. The system is generalist and does not reflect how Kenyan denominations actually structure their finances and reporting.
No published case studies or client evidence. MyChurch does not feature any published client case studies on their site. Evaluating real-world outcomes before signing is difficult.
What ChurchFlow gives you instead
M-Pesa STK push and Paybill — built in, no extra setup. Members give to your church Paybill directly from their M-Pesa. Payments auto-reconcile against their giving records. SMS receipts go out instantly. No USSD shortcode registration required.
All-inclusive, transparent KES pricing. From KES 8,000/month. One monthly amount — M-Pesa integration, SMS, onboarding, training, backups, and support all included. No hidden per-SMS charges, no separate app fees, no annual maintenance surprises.
Denomination depth: PCEA, AIC, ACK, Full Gospel. Cess tracking, obligation accrual, presbytery rollups, Holy Communion records, and denomination-specific classification trees. Built for how Kenyan churches and their parent bodies actually operate.
Published 800-member case study. Full Gospel Clay Church — 800 members, setup fee paid, live on ChurchFlow. You can see exactly what the platform looks like in a real Kenyan church before you sign.
Pricing — what you actually pay
MyChurch has multiple cost categories with no published amounts. ChurchFlow publishes every KES figure upfront.
Setup fees apply (KES 40,000–70,000 one-time, based on church size). All prices in KES. No annual maintenance surprises.
ChurchFlow vs MyChurch — feature by feature
For Kenyan churches. Based on publicly available information from both platforms.
| Feature | MyChurch | ChurchFlow |
|---|---|---|
| M-Pesa STK push giving | ✗ USSD-based (external setup) | ✓ Built-in, Daraja integration |
| M-Pesa Paybill auto-reconciliation | ✗ Not featured | ✓ Auto-matches member records |
| Transparent KES pricing (published) | ✗ No amounts on website | ✓ KES 8,000–30,000/mo published |
| All-inclusive pricing (no hidden extras) | ✗ 4+ separate cost buckets | ✓ One monthly fee, all-in |
| PCEA / AIC / ACK denomination features | ✗ Not available | ✓ Full hierarchy support |
| Cess / obligation tracking | ✗ Not available | ✓ Auto-accrual, live balances |
| Digital Holy Communion records | ✗ Not available | ✓ App-based, first in Kenya |
| Presbytery / denomination rollups | ✗ Not available | ✓ Denomination-level reporting |
| Member management | ✓ Basic member records | ✓ Kenya-context fields |
| Attendance tracking | ✓ Available | ✓ Service-by-service |
| Financial management (tithes, offerings) | ✓ Basic financials | ✓ Full M-Pesa + manual entries |
| SMS bulk communication | ~ Pay-as-you-use (extra cost) | ✓ Included in monthly plan |
| Mobile app for congregation | ~ One-time fee (separate) | ✓ On roadmap Q3 2026 |
| Dedicated onboarding support | ~ Not clearly stated | ✓ Full guided setup included |
| Published case studies | ✗ None published | ✓ 800-member Full Gospel church |
| Pledge / building fund tracking | ~ Not specified | ✓ Multi-campaign, partial payments |
Honest: who should choose what
Both are Kenya-based. Here's a clear guide based on what each platform does well.
Consider MyChurch if…
- Your church already uses a USSD shortcode for giving and you want to keep that flow
- You need a mobile app for your congregation and want it as a standalone product (separate one-time fee)
- You don't need denomination-specific features like cess, presbytery rollups, or Holy Communion records
- You're comfortable with a quote-based pricing model and multiple separate cost lines
Choose ChurchFlow if…
- Your members use M-Pesa and you want giving fully integrated — STK push, Paybill, auto-reconciliation
- You need cess, welfare, or building levy tracked automatically per member
- You're in PCEA, AIC, ACK, Full Gospel, or any denomination with structured hierarchies
- You want transparent KES pricing with no hidden extras — one monthly figure, all-inclusive
- You want a real person to configure your system, migrate your data, and train your team
Frequently asked questions
See ChurchFlow for your church
30 minutes. We'll show you attendance, M-Pesa giving, cess tracking, and finances — on real data for a church your size. No pressure, no pitch.